Burial Insurance With Diabetes: Yes, You Can Qualify (2026)

Can you get burial insurance with diabetes? In most cases, yes. Final expense insurance is one of the most diabetic-friendly types of coverage there is. Because these are no-exam policies, you simply answer a few health questions — and with the right carrier, diabetes rarely stands in the way of coverage.

Does diabetes affect burial insurance?

Most carriers approve well-managed type 2 diabetes — even if you take insulin — at their best, day-one rates. What matters is control and complications, not the diagnosis itself. Issues like neuropathy, kidney disease, retinopathy, past amputation, or a very recent diagnosis can move you to a graded plan, but coverage is still available.

What kind of plan will you qualify for?

If your diabetes is controlled and free of major complications, you can usually qualify for level (day-one) coverage at standard rates. With complications or insulin started at a young age, a graded or guaranteed-issue plan still gets you covered, with the full benefit after two years.

How to get the best rate with diabetes

Every insurance company underwrites diabetes differently, so the same person can get very different answers from different carriers. That is the biggest reason to shop with an independent broker instead of calling one company — we compare 25+ carriers at once and place you with the one that views your health most favorably, at no cost to you.

diabetes burial insurance FAQ

Does taking insulin disqualify me?

No. Many top carriers offer level, day-one coverage to insulin-dependent diabetics. Insulin use by itself is not a decline.

Will my rate be higher because of diabetes?

Often not at all if it is controlled. We compare carriers to find the ones that rate diabetes most favorably.

Written by Phillip Chin, licensed final expense specialist (NPN #8895251), licensed in all 50 states. We compare 25+ top-rated carriers to find your lowest rate — at no cost to you.